At the Carter Auto Family, our credit specialists are sensitive and understanding when it comes to an individual circumstance relating to less than favourable credit. Having worked closely with a long line of our customer’s in similar situations, we clearly recognize that people make mistakes and studying previous credit history is not always an accurate way to judge as to whether an application should be approved or not.

Car Loan Qualification

Have you been gainfully employed for more than 3 months?

Do you currently earn $1,750 per month? (before taxes)

Possess a valid driver’s licence?

Current bank account? (checking or savings)

Our trained credit specialists work closely with all types of credit considerations:

Low credit score?

Minimally established credit?

New to Canada?

Recent graduate

Divorce?

Previous bankruptcy?

Wage garnishments?

Furthermore, for customers who may have had their loan application previously rejected with a financial institution – you’re always welcome to apply for a sub-prime car loan with us instead.

While we can often obtain ‘zero-down’ for most of our customer’s car loan applications, it is often advisable to provide a small initial down payment (which will lower the overall loan amount – the principle) to increase the likelihood of a successful application.

We’re committed to help you drive the vehicle you want, the vehicle you deserve!

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